Preview
STATE OF CONNECTICUT
MIDLAND CREDIT MANAGEMENT, INC,
Plaintiff
-Vvs- AFFIDAVIT OF TARA GRELL
SHAWN MINOR,
Defendant(s)
Tara Grell, whose business address is 600 W. Saint Germain St Suite 200, St. Cloud, MN
56301-3616, certifies and says:
1 Iam employed as a Legal Specialist and have access to pertinent records for Midland
Credit Management, Inc. (“Plaintiff' or "MCM"). I am a competent person over eighteen.
years of age, and make the statements herein based upon personal knowledge of those
account records maintained by Plaintiff. Plaintiff is the current owner of, and was assigned
all the rights, title and interest to Defendant's THE BANK OF MISSOURI account
XXXXXXXXXXXX8928 (hereinafter "the Account").
2. T have access to and have reviewed the electronic records pertaining to the Account
maintained by MCM and am authorized to make this affidavit on MCM's behalf. The
electronic records reviewed consist of (i) data and records acquired from the seller or assignor
when MCM purchased or was assigned the Account, which were incorporated into MCM's
business records upon purchase or assignment, and (ii) data and records generated by MCM
in connection with servicing the Account since the date the Account was purchased by or was
assigned to MCM. In addition, I reviewed the documents that are attached to this affidavit.
3 J am familiar with and trained on the manner and method by which MCM creates
and maintains its business records pertaining to the Account, which consist of (i) data and
documents acquired from the seller or assignor, and (ii) subsequent collection and/or servicing
activities by MCM. The records are acquired or created, and are kept in the regular course of
MCM's business. It was in the regular course of MCM's business for a person with knowledge
of the subsequent collection and/or servicing activities recorded, and a business duty to report,
AFFIDAVIT OF TARA GRELL - 1
HS HO cA (OUT
304478 AFFRECATTAC
to make the record or data compilation, or to transmit information thereof to be included in
such record, or for such information to be posted in MCM's records by a computer or similar
digital means. In the regular course of MCM's business, the record or compilation of the
subsequent collection activities is made at or near the time of the act or event by MCM as a
regular practice.
4 The accuracy of such records is relied upon by Plaintiff in collecting this Account. These
records are trustworthy and relied upon because the original creditor was required to keep
areful records of the Account at issue in this case as required by law and/or suffer business
loss.
5 MCM's records show that this action is based upon a credit agreement between
Defendant(s) and the original creditor. MCM's records further show that Defendant(s) used or
authorized the use of the credit Account but failed to make the payments due pursuant to the
agreement.
6 MCM's records show that the Account was opened on 2021-11-23 and charged off on
2022-11-15 with a balance of $1,175.09. On or about 2022-11-29, Plaintiff purchased and
was assigned the balance owed by Defendant of $1,175.09. As of 2023-11-29, MCM's records
show that the balance of $1,175.09 remains due and owing and no interest has been assessed
to the Account. Therefore, Plaintiff seeks the amount of $1,175.09 from Defendant. All credits
and offsets for payments have been applied to the balance.
7
MCM's records shows that the last payment posted to the Account on 2022-04-06.
8 The complete chain of title including THE BANK OF MISSOURI, the original creditor,
and all post-charge-off purchasers/assignees of the debt are as follows:
1 2022-11-15 THE BANK OF MISSOURI 916 NORTH
KINGSHIGHWAY,PERRY VILLE,MO,63775
2. 2022-11-29 Genesis FS Card Services, 14600 NW GREENBRIER.
Ine. PKWY,BEAVERTON,OR,97006
AFFIDAVIT OF TARA GRELL - 2
ION I cn IAEA
Midland Credit Management, 350 CAMINO DE LA REINA,SUITE
Inc. 100,SAN DIEGO,CA,92108
9. Attached hereto are the following records regarding the Account:
Exhibit A. Statement(s) (including statement(s) reflecting the charge-off balance, and
recording the last purchase transaction, service billed, payment, or balance
transfer) and an additional statement sent to Defendant(s) while the Account
was active, which shows the Defendant's name and address
Exhibit B. Bill(s) of Sale, Assignment and/or Affidavit(s) of Sale
Exhibit C. Seller data sheet reflecting the individual Account information from the
electronic records provided by the seller or assignor pursuant to the Bill(s)
of Sale, Assignment(s) and/or Affidavit(s) of Sale in connection with the
sale or assignment of the Account to Plaintiff
10. The documents attached hereto are true and correct copies of the originals, being a
reproduction of Plaintiff's records, based upon my review, except to the extent that confidential
and privileged information and/or personal identifying information is omitted or redacted as
required by local rules, and applicable state and federal law.
ll. Hf called to testify as a witness thereon, I could and would competently testify as to all
the facts stated herein.
Left:Blank Intentionally
AFFIDAVIT OF TARA GRELL - 3
HC NOE MONA
I certify under penalty of perjury that the foregoing statements are true and correct.
DEC? 12028
Date
Trtthal
Tara Grell
STATE OF MINNESOTA
COUNTY OF STEARNS
Signed and sworn to (or affirmed) before me on
DEC 2 7203
by Tara Greil.
TXNNEISS_
Pups,
Mint: 9 oe,
cTl
AFFIDAVIT OF TARA GRELL - 4
HCO TER QUA Cea UE
319304478
MILESTONE® o>
SHAWN MINOR Account number ending in 8928
[ACCOUNT SUMMARY
‘Credit Limit $700.00
| [PAYMENT INFORMATION
New Balance 51,175.08 _
|
Available Credit $0.00 Minimum Payment Due = , $828.00
Past Due Amount $445.00 Payment Oue Date December 13, 2022
‘Overlimit Amount $475.09 Late Payment Wart : If we do not receive your minimum , Wd“
Statement Closing Date November 14, 2022 payment by the date listed above, you may have to pay alate fee. e
Days in Billing Cycle nN of up to $40.00.
Previous Balance $1,102.12
Minimum Payment Warning: If you make only the minimum
- Payments & Credits $0.00
+ Purchases & Other Charges $0.00
payment each period, you will pay more in interest and it will take
+ FEES CHARGED $40.00
you longer to pay off your balance. For example:
+ INTEREST CHARGED $32.97 Wyou make no You will pay off the | And you will end up
= New Balance $1,175.09 additional charges
using this card and balance shown on this| paying an estimated
QUESTIONS? Call 1-800-305-0330 ich month you pay... ‘statement in about... total of...
Please mail billing inquiries to: Only the minimum
Genesis FS Card Services payment 2 years $1,476.00
P.O. Box 4499 If you would like information about credit counseling services, call
Beaverton, OR 97076-4499 1-800-305-0330.
www milestonecard.com
Notice: SEE REVERSE SIDE FOR MORE IMPORTANT INFORMATION
[TRANSACTIONS
Tran Post
Date Reference Number Transaction Description Amount
FEES
11414 114 LATE FEE 40.00
TOTAL FEES FOR THIS PERIOD ' 40.00
—_ meee
INTEREST CHARGED
Ly,
1114 14 Interest Charge on Purchases 32.97
414 1114 Interest Charge on Cash Advances 0.00
TOTAL INTEREST FOR THIS PERIOD 32.97
Please detach bottom portion and submit with payment using enclosed envelope
Genesis FS Card Services
PAYMENT INFORMATION
Account number ending in 8928.
|
PO BOX 4477
MILESTONE’ Beaverton OR 97076-4477 Payment Due Date December 13, 2022
New Balance $1,175.09
Minimum Payment Due $528.00
Make Check Amount Enclosed $
Payable to:
SHAWN MINOR
467 QUEEN ST GENESIS FS CARD SERVICES
BRIDGEPORT CT 06606-3342
PO BOX 84059
Meee TT Columbus GA 31908-4059
eee FALE etdog ota HE TF aati
ee
EXHIBIT A
Your Account is issued by The Bank af Missouri and serviced by PAVING INTEREST
Genesis FS Card Services, Inc. Your due cate is atleast 25 days after the close of each Biling Cycle. We will nt charge
PAYMENTS ‘you any interest on Purchases if you pay your entire balance by the due date each
Payments should be mailed with the payment coupon and in the envelope provided to month. We will begin charging interest on Cash Advances on the transaction date.
the Genesis FS Card Services payment address indicated on the payment coupon, Any ‘OTHER DISCLOSURES
payment received in that form and at that address on or before 5:00 P.M. Eastern Time on For AR, HI, |A, ME Residents: This communication is trom a debt collector. This is an
anormal banking day will be credited to your Account that day. If your payment is received attemptto callect debt and any information obtained will be used for that purpose.
in that form and at that address after P.M. Eastem Time on a normal banking day,
‘or anytime on a nonanking day, we will reditt to your Acoount the next banking day. ‘What To Do If You Think You Find A Mistake On Your Statement
‘Payments can also be made online by visiting milestonecard.com. When you pravide a tf you think there is an error on your statement, write to us at: Genesis FS Card Services,
check as payment, you authorize us either to use the information from your check to make P.0, Box 4499, Beaverton, Oregon 97076-4499.
a one-time electronic fund transfer from your account or to process the paymentas a In your letter, give us the following information:
check transaction. When we use information from your check to make an electronic und * Account Information: Your name and Account number.
transfer, funds may be withdrawn from your account as soon as the same day we receive * Dollar Amount: The dollar amount of the suspected error.
your payment and you will not receive your check back from your financial institution, * Description of Problem: H you think there is an error on your bill, describe what
Payments received at other than the remittance address on the face of this statement may you believe is wrong and why you believe it is a mistake.
be subjectto a delay in crediting of up to 5 days after the dateof receipt, You must contact us:
* Within 60 days after the error appeared on your statement.
ANNUAL FEE (if applicable) You must notify us of any potential errors in writing. You may call us, but if you do we
If you wish to close your Accountto further Purchases and Cash Advances in order are not required to investigate any potential errors and you may have to pay the amount
to avoid paying the renewal Annual Fee, you must deliver written notice of closure (instruc in question.
tions below} to us within thirty (30) days from the mailing date ofthe staternent or letter ‘While we investigate whether or not there has been an error, the following are true:
containing the renewal Annual Fee notice. (This does not apply to the initial Annual Fee * We cannot try to collect the amount in question, or report you as delinquent on
charged in connection with the opening af your Account.) thatamount.
MONTHLY FEE (if applicable) . ‘The charge in question may remain on your statement, and we may continue to
If you wish to close your Account to further Purchases and Cash Advances in orderto charge you interest an that amount. But, if we determine that we made a mistake,
avoid paying the Montily Fee, you must deliver written notice of closure (instructions. you will not have to pay the amount in question or ary interest or other faes
befow) to us prioto the end of a Billing Cycle, Otherwise, your Account will be charged a ‘elated to that amount.
Monthly Fee.
. While you do not have to pay the amount in question, you are responsible for the
semainder of your balance.
NOTICE OF ACCOUNT CLOSURE + We can apply any unpaid amount against your credit limit.
Written notice of closure must be sent to Genesis FS Card Services, P.0. Box 4477,
Beaverton, OR 97076. Upon receipt, we will close your Account and the renewal Annual Your Rights if You Are Dissatisfied With Your Credit Card Purchases
Fee and/or Monthly Fee (as applicable) will not be charged to your Account. Closing your I you are dissatistied with the goods or services that you have purchased with your
Account will not cancel your obligations to pay amounts outstanding on your Account, and credit card, and you have tried in good faith to correct the problem with the merchant,
you will be required to pay your outstanding balance with interest in accordance with the you have the right notto pay the remaining amount due on the purchase, To use
terms of your Cardholder Agreement. this right, al ofthe following must be true:
+. The purchase must have been made in your home state or within 100 miles
CREDIT BUREAU REPORTING of your current mailing address, and the purchase price must have been more
We may report information about your Accountto credit bureaus. Late payments, missed than $50. (Note: Neither of these is necessaryif your purchase was based on
payments, or other defaults on your Account may be reflected in your credit report. an advertisement we mailed to you, or if we own the company that sold you the.
‘BALANCE SUBJECT TO INTEREST RATE goods or services.)
We use the Average Daily Balance (including new purchases) method to calculate the 2. You must have used your credit card for the purchase. Purchases made with cash
balance on which we charge interest. To find out mare about the balance computation advances from an ATM or with a check that accesses your credit card account do
method and how interest charges were determined, call us atthe tll-tre telephone not quality.
‘number on the front of the first page of your bling statement. 3. You must not yet hrave fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact
MINIMUM INTEREST CHARGE us in writing at: Genesis FS Card Services, P.O. Box 4499, Beaverton, Oregon, 97076.
t you are charged interest, the charge will be no less than $7.00. ‘While we investigate, the same rules apply to the disputed amountas discussed above.
Afterwe finish our investigation, we will tell you our decision. At that point, if we think
you owe anamount and you do not pay, we may report you as delinquent.
O1AC1202 - 1 - 03/22/2021
Detach here ¥ and return below portion with your remittance. Atter detaching, retain upper portion for your future reference.
ADDRESS / PHONE NUMBER CHANGE FORM
By providing a cellular phone number or a number that is later converted to a cellular phone number, you are expressly
‘consenting that we (and any other owners or servicers af your Account) may contact you via phone or text message,
including the use of pre-recorded messages and calls and messages using an automated dialing system.
‘ADDRESS
cy ‘STATE ZIP CODE
HOME PHONE BUSINESS PHONE
EMAIL ADDRESS
SHAWN MINOR Account number ending in 8928
Totals 2022 Year-to-Date
Total fees charged in 2022 $287.73
Total interest charged in 2022 $256.12
[impoRTANT ACCOUNT INFORMATION
A Monthly Fee is charged at the close of each Billing Cycle unless you notify us to close your Account. In the first year, the Monthly Fee is $0; thereafter,
the Monthly Fee is $12.50. Please see the Monthly Fee on the reverse for additional renewal information.
YOUR ACCOUNT IS PAST DUE. THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT.
PLEASE REMIT IMMEDIATELY.
YOUR ACCOUNT IS CURRENTLY OVER YOUR CREDIT LIMIT.
[INTEREST CHARGE CALCULATION
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Percentage Balance Subject to
Type of Balance Rate (APR) Interest Rate Interest Charge
Purchases 35.90% $1,102.12 $32.97
Cash Advances 35.90% $0.00 $0.00
(v) = variable
MILESTONE*
SHAWN MINOR Account number ending in 8928
[Account SUMMARY
Credit Limit $700.00
| [PAYMENT INFORMATION
New Balance
|
$0.00
Available Credit $0.00 Minimum Payment Due
Past Due Amount $0.00 Payment Due Date December 13, 2022
Overlimit Amount $0.00 Late Payment Warning: If we do not receive your minimum
Statement Closing Date November 15, 20% payment by the date listed above, you may have to pay @ late fee
Days in Billing Cycle of up to $40.00.
Previous Balance $1,175.09
Minimum Payment Warning: If you make only the minimum
- Payments & Credits $1,175.09
+ Purchases & Other Charges $0.00
payment each period, you will pay more in interest and it will take
you longer to pay off your balance. For example:
+ FEES CHARGED $0.00
+ INTEREST CHARGED $0.00 Ifyou make no
= New Balance $0.00 additional charges You will pay off the And you will end up
using this card and balance shown on this paying an estimated
each month you pay. statement in about... total of...
QUESTIONS? Call 1-800-305-0330
Please mail billing inquiries to: ‘Only the minimum 16 months $1,175.00
Genesis FS Card Services payment
P.O, Box 4499
Beaverton, OR 97076-4499
if you would like information about credit counseling services, call
1-800-305-0330,
www.milestonecard.com
Notice: SEE REVERSE SIDE FOR MORE IMPORTANT INFORMATION
{TRANSACTIONS
Tran Post
Date Date Reference Number Transaction Description Amount
115 115 F851600NF 00999990 CHARGE OFF ACCOUNT-PRINCIPALS 697.57-
1S TINS. F851600NF00999990 CHARGE OFF ACCOUNT “FINANCE CHARGES* 4TT52-
TOTAL FEES FOR THIS PERIOD 0.00
INTEREST CHARGED
TNS qiNS, Interest Charge on Purchases 0.00
1S, TNS Interest Charge on Cash Advances 0.00
TOTAL INTEREST FOR THIS PERIOD 0.00
Totals 2022 Year-to-Date
Total fees charged in 2022 $287.73
Total interest charged in 2022 $256.12
Please detach bottom portion and submit with payment using enclosed envelope
Genesis FS Card Services
PAYMENT INFORMATION
‘Account number ending in
__|
8928
PO BOX 4477
MILESTONE” Beaverton OR 97076-4477 Payment Due Date December 13, 2022
New Balance $0.00
Minimum Payment Due $0.00
Make Check Amount Enclosed: $
Payable to:
SHAWN MINOR
467 QUEEN S$ GENESIS FS CARD SERVICES
BRIDGEPORT CT 06606-3342 PO BOX 84059
Mecateanta hale teat ytd Ue aataL AAA T ed oetent tf peg Columbus GA 31908-4059
ated fog ee ttUMey eg gt
ee
Your Account is issued by The Bank of Missouri and serviced by PAYING INTEREST
Genesis FS Card Services, Inc. Your due date is at least
25 days after the close of each Billing Cycle. We will not charge
PAYMENTS: you any intereston Purchases if you pay your entire balance by the due date each
Payments should be mailed with the payment coupon and in the envelope provided to month. We will begin charging interest on Cash Advances on the transaction date.
the Genesis FS Card Services payment address indicated on the payment coupon. Any OTHER DISCLOSURES
payment received in thal form and at that address on or before 5:00 P.M. Easter Time oa For AR, HI, IA, ME Residents: This communication is from a debt collector. This is an
anormal banking day will be credited to your Account that day. If your payment is received attempt to collect debt and any information obtained will be used for that purpose.
in that form and at that address after 5:00 P.M. Eastern Time on a normal banking day,
‘or anytimeon a nonbanking day, we will credit it to your Account the next banking day. ‘What To Do Hf You Think You Find A Mistake Qn Your Statement
Payments can also be made online by visiting milestonecard.com. When you provide a I you think there is an error on your statement, write fo us at: Genesis FS Card Services,
check as payment, you authorize us either to use the information from your check to make P.O. Box 4499, Beaverton, Oregon 97076-4499.
a.one-time electronic fund transfer from your account ar to process the payment as a In your letter, give us the following information:
check transaction. When we use information from your checkto make an electronic fund = Account Information: Your name and Account number.
transfer, funds may be withdrawn from your account as soon as the same day we receive + Dollar Amount: The dollar amount of the suspected error.
your payment and you will not receive your check back {rom your financial institution. + Description of Problem: If you think there is an error on your bill, describe what
you believe is wrong and why you believe itis a mistake,
Payments received at other than the remittance address on the face of this statement may
be subject to a delay in crediting of up to 5 days after the date of receipt. You must contact us:
* Within 60 days after the error appeared on your statement.
ANNUAL. FEE (if applicabte) You must notify us of any potential errors in writing. You may call us, butf you do we
ff you wish fo close your Account to further Purchases and Cash Advances in order are not required to investigate
any potential errors and you may have to pay the amount
to avoid paying the renewal Annual Fee, you must deliver written notice of closure (instruc- in question.
tions below) te us within thirty (30) days from the mailing date of the statement or letter While we investigate whether or not there has been an error, the fotlowing are true:
containing the ‘enewal Annual Fee notice. (This does not applyto the initial Annual Fee = We cannot try to collect the amount in question, of report you as delinquent on
charged in connection with the opening of your Account.) that amount.
. The charge in question may remain on your statement, and we may continue to
MONTHLY FEE (if applicable)
If you wish to close your Account to further Purchases and Cash Advances in order to charge you interest on that amount. But, if we determine that we made a mistake,
avoid paying the Monthly Fee, you must delves wtten notice of closure (instructions ‘you will not have to pay the amount in question or any interest or ather fees
below) to us prior to the end of a Billing Cycle. Otherwise, your Account will be charged a related to that armaunt.
Monthly Fae.
. ‘While you do not have to pay the amount in question, you are responsible for the
remainder of your balance.
NOTICE OF ACCOUNT CLOSURE + We can apply any unpaid amount against your credit limit.
Written notice of closure must be sent to Genesis FS Card Services, P.O. Box 4477,
Beaverton, OR 97076, Upon receipt, we will close your Account and the renewal Annual Your Rights Jf You Are Dissatisfied With Your Credit Card Purchases:
Fee and/or Monthly Fee (as applicable) will aotbe charged to your Account. Closing your Uyou are dissatisfied with the goodsor services that you have purchased with your
Account will not cancel your obligations to pay amounts outstanding on your Account, and credit card, and you have tried in good faith to correct the problem with the merchant,
you will be required to pay your outstanding balance with interest in accordance with the you may have the right not to pay the remaining amount due onthe purchase. To use
terms of your Cardholder Agreement, this right, all of the following must be true:
1, The purchase must have been made in your home state or within 100 miles
CREDIT BUREAU REPORTING ‘of your current mailing address, and the purchase price must have been more
We may report information about your Accountto credit bureaus. Late payments, missed ‘than $50. (Note: Neither of these is necessary if your purchase was based on
payments, or other defaults on your Account may be reflected in your credit report. anadvertisement we malted to you, or f we own the company that sold you the
BALANCE SUBJECT TO INTEREST RATE ‘goods or services.)
‘We use the Average Daily Balance (including new purchases) method to calculate the 2, You must have used your credit card for the purchase. Purchases made with cash
balance an which we charge interest. To find out mare about the balance computation advances from an ATM or with a check that accesses your credit card account do
methad and how interest charges were determined, call us at the toll-free telephone not qualify.
number an the front of the first page of your billing statement. 3. You must not yet have fully paid for the purchase.
fall of the criteria above are met and you are stil dissatisfied with the purchase, contact
MINIMUM INTEREST CHARGE us in writingat: Genesis FS Card Services, P.O. Box 4499, Beaverton, Oregon, $7076.
Hf you are charged interest, the charge will be no less than $1.00. ‘While we investigate, the same rules applyto the disputed amountas discussed above.
Afterwe finish our investigation, we wall tell you our decision. At that point, if we think
you owe an amount and you do nol pay, we may report you as delinquent.
O1AC1202 - 1 - 03/22/2021
Detach here v and return below portion with your remittance. After detaching, retain upper portion for your future reference.
AQDRESS / PHONE NUMBER CHANGE FORM
By providing a cellular phone number ar a number that is later converted to a cellular phone number, you are expressly
‘consenting that we (and any other owners or servicers af your Account) may contact you via phone or text message,
including the use of pre-recorded messages and calls and messages using an automated dialing system.
ADDRESS
ciTY ‘STATE ZIP CODE
HOME PHONE BUSINESS PHONE
EMAIL ADDRESS
SHAWN MINOR Account number ending in 8928
[imporTANT ACCOUNT INFORMATION
YOUR ACCOUNT IS PAST DUE. THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT.
]
PLEASE REMIT IMMEDIATELY.
YOUR ACCOUNT IS CURRENTLY OVER YOUR CREDIT LIMIT.
[inTEREST CHARGE CALCULATION
‘Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Percentage Balance Subject to
Type of Balance Rate (APR) Interest Rate Interest Charge
Purchases, 35.90% $0.00 $0.00
Cash Advances 35.90% $0.00 $0.00
(v) = variable
MILESTONE" &
SHAWN MINOR Account number ending in 8928
[account SUMMARY
Credit Limi $700.00
| [PAYMENT INFORMATION
New Balance $712.10
|
Available Credit $0.00 Minimum Payment Due $50.00
Past Due Amount $0,00 Payment Due Date May 13, 2022
Overtimit Amount $12.10 Late Payment Warning: If we do not receive your minimum
Statement Closing Oate April 14, 2072 payment by the date listed above, you may have to pay a late fee
Days in Billing Cycle of up to $40.00.
Previous Balance $603.56
- Payments & Credits $56.00
Minimum Payment Waring: If you make only the minimum
+ Purchases & Other Charges $144.70 payment each period, you will pay more in interest and it will take
+ FEES CHARGED $0.00
you fonger to pay off your balance. For example:
+ INTEREST CHARGED $19.64 Ifyou make no You will pay off the And you will end up
= New Balance $712.10 additional charges balance shown on this paying an estimated
using this card and
QUESTIONS? Call 1-800-305-0330 each month you pay... statement in about... total of...
Please mail billing inquiries to: ‘Only the minimum 2years
Genesis FS Card Services ment $1,000.00
P.O, Box 4499 if you would like information about credit counseling services, cali
Beaverton, OR 97076-4499 1-800-305-0330.
www.milestonecard.com
Notice: SEE REVERSE SIDE FOR MORE IMPORTANT INFORMATION
[TRANSACTIONS
Tran Post
Date Date Reference Number Transaction Description Amount
03/14 03/16, 8230509ETOQQ0QAGA KLARNA INC COLUMBUS OH 20.14
03/24 03/24 7522939F 300QNWDAS XSCLLA *MSF H.XSOLLA.COM CA 10.63
03/24 03/24 7541823F345J070K1 XSOLLA *MSF H.XSOLLA.COM CA 5.34
03/25, 03/25 7841823F445LBD1DH XSOLLA *MSF H.XSOLLA.COM CA 5.31
03/25 03/25 8230509F40000TMPZ KLARNA INC COLUMBUS. OH 18.75
03/27 03/27 5543286F65SD25785 XSOLLA *MSF XSOLLA.COM CA 2.42
03/28 03/28 8230509F B0003HESY KLARNA INC COLUMBUS. OH 20.14
03/29 03/29 5543286FB5SZQ7H67 XSOLLA *MSF XSOLLA.COM CA 5.31
03/29 03/29 0543684F900A00J2H WALGREENS #7522 BRIDGEPORT CT 4.29
03/29 03/29 7541823FB45VWWOGR XSOLLA *MSF H.XSOLLA.COM CA 318
04/06 04/06 8549806FGOOXVHORDS PAYMENT RECEIVED - THANK YOU. 56.00-
Transactions continued on next page
Piease detach bottom portion and submit with payment using enclosed envelope
PAYMENT INFORMATION
Genesis FS Card Services Account number ending in 8928
PO BOX 4477
MILESTONE” Beaverton OR 97076-4477 Payment Due Date May
13, 2022
New Balance $712.10
Minimurn Payment Due
Preview
STATE OF CONNECTICUT MIDLAND CREDIT MANAGEMENT, INC, Plaintiff -Vvs- AFFIDAVIT OF TARA GRELL SHAWN MINOR, Defendant(s) Tara Grell, whose business address is 600 W. Saint Germain St Suite 200, St. Cloud, MN 56301-3616, certifies and says: 1 Iam employed as a Legal Specialist and have access to pertinent records for Midland Credit Management, Inc. (“Plaintiff' or "MCM"). I am a competent person over eighteen. years of age, and make the statements herein based upon personal knowledge of those account records maintained by Plaintiff. Plaintiff is the current owner of, and was assigned all the rights, title and interest to Defendant's THE BANK OF MISSOURI account XXXXXXXXXXXX8928 (hereinafter "the Account"). 2. T have access to and have reviewed the electronic records pertaining to the Account maintained by MCM and am authorized to make this affidavit on MCM's behalf. The electronic records reviewed consist of (i) data and records acquired from the seller or assignor when MCM purchased or was assigned the Account, which were incorporated into MCM's business records upon purchase or assignment, and (ii) data and records generated by MCM in connection with servicing the Account since the date the Account was purchased by or was assigned to MCM. In addition, I reviewed the documents that are attached to this affidavit. 3 J am familiar with and trained on the manner and method by which MCM creates and maintains its business records pertaining to the Account, which consist of (i) data and documents acquired from the seller or assignor, and (ii) subsequent collection and/or servicing activities by MCM. The records are acquired or created, and are kept in the regular course of MCM's business. It was in the regular course of MCM's business for a person with knowledge of the subsequent collection and/or servicing activities recorded, and a business duty to report, AFFIDAVIT OF TARA GRELL - 1 HS HO cA (OUT 304478 AFFRECATTAC to make the record or data compilation, or to transmit information thereof to be included in such record, or for such information to be posted in MCM's records by a computer or similar digital means. In the regular course of MCM's business, the record or compilation of the subsequent collection activities is made at or near the time of the act or event by MCM as a regular practice. 4 The accuracy of such records is relied upon by Plaintiff in collecting this Account. These records are trustworthy and relied upon because the original creditor was required to keep areful records of the Account at issue in this case as required by law and/or suffer business loss. 5 MCM's records show that this action is based upon a credit agreement between Defendant(s) and the original creditor. MCM's records further show that Defendant(s) used or authorized the use of the credit Account but failed to make the payments due pursuant to the agreement. 6 MCM's records show that the Account was opened on 2021-11-23 and charged off on 2022-11-15 with a balance of $1,175.09. On or about 2022-11-29, Plaintiff purchased and was assigned the balance owed by Defendant of $1,175.09. As of 2023-11-29, MCM's records show that the balance of $1,175.09 remains due and owing and no interest has been assessed to the Account. Therefore, Plaintiff seeks the amount of $1,175.09 from Defendant. All credits and offsets for payments have been applied to the balance. 7 MCM's records shows that the last payment posted to the Account on 2022-04-06. 8 The complete chain of title including THE BANK OF MISSOURI, the original creditor, and all post-charge-off purchasers/assignees of the debt are as follows: 1 2022-11-15 THE BANK OF MISSOURI 916 NORTH KINGSHIGHWAY,PERRY VILLE,MO,63775 2. 2022-11-29 Genesis FS Card Services, 14600 NW GREENBRIER. Ine. PKWY,BEAVERTON,OR,97006 AFFIDAVIT OF TARA GRELL - 2 ION I cn IAEA Midland Credit Management, 350 CAMINO DE LA REINA,SUITE Inc. 100,SAN DIEGO,CA,92108 9. Attached hereto are the following records regarding the Account: Exhibit A. Statement(s) (including statement(s) reflecting the charge-off balance, and recording the last purchase transaction, service billed, payment, or balance transfer) and an additional statement sent to Defendant(s) while the Account was active, which shows the Defendant's name and address Exhibit B. Bill(s) of Sale, Assignment and/or Affidavit(s) of Sale Exhibit C. Seller data sheet reflecting the individual Account information from the electronic records provided by the seller or assignor pursuant to the Bill(s) of Sale, Assignment(s) and/or Affidavit(s) of Sale in connection with the sale or assignment of the Account to Plaintiff 10. The documents attached hereto are true and correct copies of the originals, being a reproduction of Plaintiff's records, based upon my review, except to the extent that confidential and privileged information and/or personal identifying information is omitted or redacted as required by local rules, and applicable state and federal law. ll. Hf called to testify as a witness thereon, I could and would competently testify as to all the facts stated herein. Left:Blank Intentionally AFFIDAVIT OF TARA GRELL - 3 HC NOE MONA I certify under penalty of perjury that the foregoing statements are true and correct. DEC? 12028 Date Trtthal Tara Grell STATE OF MINNESOTA COUNTY OF STEARNS Signed and sworn to (or affirmed) before me on DEC 2 7203 by Tara Greil. TXNNEISS_ Pups, Mint: 9 oe, cTl AFFIDAVIT OF TARA GRELL - 4 HCO TER QUA Cea UE 319304478 MILESTONE® o> SHAWN MINOR Account number ending in 8928 [ACCOUNT SUMMARY ‘Credit Limit $700.00 | [PAYMENT INFORMATION New Balance 51,175.08 _ | Available Credit $0.00 Minimum Payment Due = , $828.00 Past Due Amount $445.00 Payment Oue Date December 13, 2022 ‘Overlimit Amount $475.09 Late Payment Wart : If we do not receive your minimum , Wd“ Statement Closing Date November 14, 2022 payment by the date listed above, you may have to pay alate fee. e Days in Billing Cycle nN of up to $40.00. Previous Balance $1,102.12 Minimum Payment Warning: If you make only the minimum - Payments & Credits $0.00 + Purchases & Other Charges $0.00 payment each period, you will pay more in interest and it will take + FEES CHARGED $40.00 you longer to pay off your balance. For example: + INTEREST CHARGED $32.97 Wyou make no You will pay off the | And you will end up = New Balance $1,175.09 additional charges using this card and balance shown on this| paying an estimated QUESTIONS? Call 1-800-305-0330 ich month you pay... ‘statement in about... total of... Please mail billing inquiries to: Only the minimum Genesis FS Card Services payment 2 years $1,476.00 P.O. Box 4499 If you would like information about credit counseling services, call Beaverton, OR 97076-4499 1-800-305-0330. www milestonecard.com Notice: SEE REVERSE SIDE FOR MORE IMPORTANT INFORMATION [TRANSACTIONS Tran Post Date Reference Number Transaction Description Amount FEES 11414 114 LATE FEE 40.00 TOTAL FEES FOR THIS PERIOD ' 40.00 —_ meee INTEREST CHARGED Ly, 1114 14 Interest Charge on Purchases 32.97 414 1114 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 32.97 Please detach bottom portion and submit with payment using enclosed envelope Genesis FS Card Services PAYMENT INFORMATION Account number ending in 8928. | PO BOX 4477 MILESTONE’ Beaverton OR 97076-4477 Payment Due Date December 13, 2022 New Balance $1,175.09 Minimum Payment Due $528.00 Make Check Amount Enclosed $ Payable to: SHAWN MINOR 467 QUEEN ST GENESIS FS CARD SERVICES BRIDGEPORT CT 06606-3342 PO BOX 84059 Meee TT Columbus GA 31908-4059 eee FALE etdog ota HE TF aati ee EXHIBIT A Your Account is issued by The Bank af Missouri and serviced by PAVING INTEREST Genesis FS Card Services, Inc. Your due cate is atleast 25 days after the close of each Biling Cycle. We will nt charge PAYMENTS ‘you any interest on Purchases if you pay your entire balance by the due date each Payments should be mailed with the payment coupon and in the envelope provided to month. We will begin charging interest on Cash Advances on the transaction date. the Genesis FS Card Services payment address indicated on the payment coupon, Any ‘OTHER DISCLOSURES payment received in that form and at that address on or before 5:00 P.M. Eastern Time on For AR, HI, |A, ME Residents: This communication is trom a debt collector. This is an anormal banking day will be credited to your Account that day. If your payment is received attemptto callect debt and any information obtained will be used for that purpose. in that form and at that address after P.M. Eastem Time on a normal banking day, ‘or anytime on a nonanking day, we will reditt to your Acoount the next banking day. ‘What To Do If You Think You Find A Mistake On Your Statement ‘Payments can also be made online by visiting milestonecard.com. When you pravide a tf you think there is an error on your statement, write to us at: Genesis FS Card Services, check as payment, you authorize us either to use the information from your check to make P.0, Box 4499, Beaverton, Oregon 97076-4499. a one-time electronic fund transfer from your account or to process the paymentas a In your letter, give us the following information: check transaction. When we use information from your check to make an electronic und * Account Information: Your name and Account number. transfer, funds may be withdrawn from your account as soon as the same day we receive * Dollar Amount: The dollar amount of the suspected error. your payment and you will not receive your check back from your financial institution, * Description of Problem: H you think there is an error on your bill, describe what Payments received at other than the remittance address on the face of this statement may you believe is wrong and why you believe it is a mistake. be subjectto a delay in crediting of up to 5 days after the dateof receipt, You must contact us: * Within 60 days after the error appeared on your statement. ANNUAL FEE (if applicable) You must notify us of any potential errors in writing. You may call us, but if you do we If you wish to close your Accountto further Purchases and Cash Advances in order are not required to investigate any potential errors and you may have to pay the amount to avoid paying the renewal Annual Fee, you must deliver written notice of closure (instruc in question. tions below} to us within thirty (30) days from the mailing date ofthe staternent or letter ‘While we investigate whether or not there has been an error, the following are true: containing the renewal Annual Fee notice. (This does not apply to the initial Annual Fee * We cannot try to collect the amount in question, or report you as delinquent on charged in connection with the opening af your Account.) thatamount. MONTHLY FEE (if applicable) . ‘The charge in question may remain on your statement, and we may continue to If you wish to close your Account to further Purchases and Cash Advances in orderto charge you interest an that amount. But, if we determine that we made a mistake, avoid paying the Montily Fee, you must deliver written notice of closure (instructions. you will not have to pay the amount in question or ary interest or other faes befow) to us prioto the end of a Billing Cycle, Otherwise, your Account will be charged a ‘elated to that amount. Monthly Fee. . While you do not have to pay the amount in question, you are responsible for the semainder of your balance. NOTICE OF ACCOUNT CLOSURE + We can apply any unpaid amount against your credit limit. Written notice of closure must be sent to Genesis FS Card Services, P.0. Box 4477, Beaverton, OR 97076. Upon receipt, we will close your Account and the renewal Annual Your Rights if You Are Dissatisfied With Your Credit Card Purchases Fee and/or Monthly Fee (as applicable) will not be charged to your Account. Closing your I you are dissatistied with the goods or services that you have purchased with your Account will not cancel your obligations to pay amounts outstanding on your Account, and credit card, and you have tried in good faith to correct the problem with the merchant, you will be required to pay your outstanding balance with interest in accordance with the you have the right notto pay the remaining amount due on the purchase, To use terms of your Cardholder Agreement. this right, al ofthe following must be true: +. The purchase must have been made in your home state or within 100 miles CREDIT BUREAU REPORTING of your current mailing address, and the purchase price must have been more We may report information about your Accountto credit bureaus. Late payments, missed than $50. (Note: Neither of these is necessaryif your purchase was based on payments, or other defaults on your Account may be reflected in your credit report. an advertisement we mailed to you, or if we own the company that sold you the. ‘BALANCE SUBJECT TO INTEREST RATE goods or services.) We use the Average Daily Balance (including new purchases) method to calculate the 2. You must have used your credit card for the purchase. Purchases made with cash balance on which we charge interest. To find out mare about the balance computation advances from an ATM or with a check that accesses your credit card account do method and how interest charges were determined, call us atthe tll-tre telephone not quality. ‘number on the front of the first page of your bling statement. 3. You must not yet hrave fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact MINIMUM INTEREST CHARGE us in writing at: Genesis FS Card Services, P.O. Box 4499, Beaverton, Oregon, 97076. t you are charged interest, the charge will be no less than $7.00. ‘While we investigate, the same rules apply to the disputed amountas discussed above. Afterwe finish our investigation, we will tell you our decision. At that point, if we think you owe anamount and you do not pay, we may report you as delinquent. O1AC1202 - 1 - 03/22/2021 Detach here ¥ and return below portion with your remittance. Atter detaching, retain upper portion for your future reference. ADDRESS / PHONE NUMBER CHANGE FORM By providing a cellular phone number or a number that is later converted to a cellular phone number, you are expressly ‘consenting that we (and any other owners or servicers af your Account) may contact you via phone or text message, including the use of pre-recorded messages and calls and messages using an automated dialing system. ‘ADDRESS cy ‘STATE ZIP CODE HOME PHONE BUSINESS PHONE EMAIL ADDRESS SHAWN MINOR Account number ending in 8928 Totals 2022 Year-to-Date Total fees charged in 2022 $287.73 Total interest charged in 2022 $256.12 [impoRTANT ACCOUNT INFORMATION A Monthly Fee is charged at the close of each Billing Cycle unless you notify us to close your Account. In the first year, the Monthly Fee is $0; thereafter, the Monthly Fee is $12.50. Please see the Monthly Fee on the reverse for additional renewal information. YOUR ACCOUNT IS PAST DUE. THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT. PLEASE REMIT IMMEDIATELY. YOUR ACCOUNT IS CURRENTLY OVER YOUR CREDIT LIMIT. [INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 35.90% $1,102.12 $32.97 Cash Advances 35.90% $0.00 $0.00 (v) = variable MILESTONE* SHAWN MINOR Account number ending in 8928 [Account SUMMARY Credit Limit $700.00 | [PAYMENT INFORMATION New Balance | $0.00 Available Credit $0.00 Minimum Payment Due Past Due Amount $0.00 Payment Due Date December 13, 2022 Overlimit Amount $0.00 Late Payment Warning: If we do not receive your minimum Statement Closing Date November 15, 20% payment by the date listed above, you may have to pay @ late fee Days in Billing Cycle of up to $40.00. Previous Balance $1,175.09 Minimum Payment Warning: If you make only the minimum - Payments & Credits $1,175.09 + Purchases & Other Charges $0.00 payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: + FEES CHARGED $0.00 + INTEREST CHARGED $0.00 Ifyou make no = New Balance $0.00 additional charges You will pay off the And you will end up using this card and balance shown on this paying an estimated each month you pay. statement in about... total of... QUESTIONS? Call 1-800-305-0330 Please mail billing inquiries to: ‘Only the minimum 16 months $1,175.00 Genesis FS Card Services payment P.O, Box 4499 Beaverton, OR 97076-4499 if you would like information about credit counseling services, call 1-800-305-0330, www.milestonecard.com Notice: SEE REVERSE SIDE FOR MORE IMPORTANT INFORMATION {TRANSACTIONS Tran Post Date Date Reference Number Transaction Description Amount 115 115 F851600NF 00999990 CHARGE OFF ACCOUNT-PRINCIPALS 697.57- 1S TINS. F851600NF00999990 CHARGE OFF ACCOUNT “FINANCE CHARGES* 4TT52- TOTAL FEES FOR THIS PERIOD 0.00 INTEREST CHARGED TNS qiNS, Interest Charge on Purchases 0.00 1S, TNS Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 0.00 Totals 2022 Year-to-Date Total fees charged in 2022 $287.73 Total interest charged in 2022 $256.12 Please detach bottom portion and submit with payment using enclosed envelope Genesis FS Card Services PAYMENT INFORMATION ‘Account number ending in __| 8928 PO BOX 4477 MILESTONE” Beaverton OR 97076-4477 Payment Due Date December 13, 2022 New Balance $0.00 Minimum Payment Due $0.00 Make Check Amount Enclosed: $ Payable to: SHAWN MINOR 467 QUEEN S$ GENESIS FS CARD SERVICES BRIDGEPORT CT 06606-3342 PO BOX 84059 Mecateanta hale teat ytd Ue aataL AAA T ed oetent tf peg Columbus GA 31908-4059 ated fog ee ttUMey eg gt ee Your Account is issued by The Bank of Missouri and serviced by PAYING INTEREST Genesis FS Card Services, Inc. Your due date is at least 25 days after the close of each Billing Cycle. We will not charge PAYMENTS: you any intereston Purchases if you pay your entire balance by the due date each Payments should be mailed with the payment coupon and in the envelope provided to month. We will begin charging interest on Cash Advances on the transaction date. the Genesis FS Card Services payment address indicated on the payment coupon. Any OTHER DISCLOSURES payment received in thal form and at that address on or before 5:00 P.M. Easter Time oa For AR, HI, IA, ME Residents: This communication is from a debt collector. This is an anormal banking day will be credited to your Account that day. If your payment is received attempt to collect debt and any information obtained will be used for that purpose. in that form and at that address after 5:00 P.M. Eastern Time on a normal banking day, ‘or anytimeon a nonbanking day, we will credit it to your Account the next banking day. ‘What To Do Hf You Think You Find A Mistake Qn Your Statement Payments can also be made online by visiting milestonecard.com. When you provide a I you think there is an error on your statement, write fo us at: Genesis FS Card Services, check as payment, you authorize us either to use the information from your check to make P.O. Box 4499, Beaverton, Oregon 97076-4499. a.one-time electronic fund transfer from your account ar to process the payment as a In your letter, give us the following information: check transaction. When we use information from your checkto make an electronic fund = Account Information: Your name and Account number. transfer, funds may be withdrawn from your account as soon as the same day we receive + Dollar Amount: The dollar amount of the suspected error. your payment and you will not receive your check back {rom your financial institution. + Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe itis a mistake, Payments received at other than the remittance address on the face of this statement may be subject to a delay in crediting of up to 5 days after the date of receipt. You must contact us: * Within 60 days after the error appeared on your statement. ANNUAL. FEE (if applicabte) You must notify us of any potential errors in writing. You may call us, butf you do we ff you wish fo close your Account to further Purchases and Cash Advances in order are not required to investigate any potential errors and you may have to pay the amount to avoid paying the renewal Annual Fee, you must deliver written notice of closure (instruc- in question. tions below) te us within thirty (30) days from the mailing date of the statement or letter While we investigate whether or not there has been an error, the fotlowing are true: containing the ‘enewal Annual Fee notice. (This does not applyto the initial Annual Fee = We cannot try to collect the amount in question, of report you as delinquent on charged in connection with the opening of your Account.) that amount. . The charge in question may remain on your statement, and we may continue to MONTHLY FEE (if applicable) If you wish to close your Account to further Purchases and Cash Advances in order to charge you interest on that amount. But, if we determine that we made a mistake, avoid paying the Monthly Fee, you must delves wtten notice of closure (instructions ‘you will not have to pay the amount in question or any interest or ather fees below) to us prior to the end of a Billing Cycle. Otherwise, your Account will be charged a related to that armaunt. Monthly Fae. . ‘While you do not have to pay the amount in question, you are responsible for the remainder of your balance. NOTICE OF ACCOUNT CLOSURE + We can apply any unpaid amount against your credit limit. Written notice of closure must be sent to Genesis FS Card Services, P.O. Box 4477, Beaverton, OR 97076, Upon receipt, we will close your Account and the renewal Annual Your Rights Jf You Are Dissatisfied With Your Credit Card Purchases: Fee and/or Monthly Fee (as applicable) will aotbe charged to your Account. Closing your Uyou are dissatisfied with the goodsor services that you have purchased with your Account will not cancel your obligations to pay amounts outstanding on your Account, and credit card, and you have tried in good faith to correct the problem with the merchant, you will be required to pay your outstanding balance with interest in accordance with the you may have the right not to pay the remaining amount due onthe purchase. To use terms of your Cardholder Agreement, this right, all of the following must be true: 1, The purchase must have been made in your home state or within 100 miles CREDIT BUREAU REPORTING ‘of your current mailing address, and the purchase price must have been more We may report information about your Accountto credit bureaus. Late payments, missed ‘than $50. (Note: Neither of these is necessary if your purchase was based on payments, or other defaults on your Account may be reflected in your credit report. anadvertisement we malted to you, or f we own the company that sold you the BALANCE SUBJECT TO INTEREST RATE ‘goods or services.) ‘We use the Average Daily Balance (including new purchases) method to calculate the 2, You must have used your credit card for the purchase. Purchases made with cash balance an which we charge interest. To find out mare about the balance computation advances from an ATM or with a check that accesses your credit card account do methad and how interest charges were determined, call us at the toll-free telephone not qualify. number an the front of the first page of your billing statement. 3. You must not yet have fully paid for the purchase. fall of the criteria above are met and you are stil dissatisfied with the purchase, contact MINIMUM INTEREST CHARGE us in writingat: Genesis FS Card Services, P.O. Box 4499, Beaverton, Oregon, $7076. Hf you are charged interest, the charge will be no less than $1.00. ‘While we investigate, the same rules applyto the disputed amountas discussed above. Afterwe finish our investigation, we wall tell you our decision. At that point, if we think you owe an amount and you do nol pay, we may report you as delinquent. O1AC1202 - 1 - 03/22/2021 Detach here v and return below portion with your remittance. After detaching, retain upper portion for your future reference. AQDRESS / PHONE NUMBER CHANGE FORM By providing a cellular phone number ar a number that is later converted to a cellular phone number, you are expressly ‘consenting that we (and any other owners or servicers af your Account) may contact you via phone or text message, including the use of pre-recorded messages and calls and messages using an automated dialing system. ADDRESS ciTY ‘STATE ZIP CODE HOME PHONE BUSINESS PHONE EMAIL ADDRESS SHAWN MINOR Account number ending in 8928 [imporTANT ACCOUNT INFORMATION YOUR ACCOUNT IS PAST DUE. THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT. ] PLEASE REMIT IMMEDIATELY. YOUR ACCOUNT IS CURRENTLY OVER YOUR CREDIT LIMIT. [inTEREST CHARGE CALCULATION ‘Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases, 35.90% $0.00 $0.00 Cash Advances 35.90% $0.00 $0.00 (v) = variable MILESTONE" & SHAWN MINOR Account number ending in 8928 [account SUMMARY Credit Limi $700.00 | [PAYMENT INFORMATION New Balance $712.10 | Available Credit $0.00 Minimum Payment Due $50.00 Past Due Amount $0,00 Payment Due Date May 13, 2022 Overtimit Amount $12.10 Late Payment Warning: If we do not receive your minimum Statement Closing Oate April 14, 2072 payment by the date listed above, you may have to pay a late fee Days in Billing Cycle of up to $40.00. Previous Balance $603.56 - Payments & Credits $56.00 Minimum Payment Waring: If you make only the minimum + Purchases & Other Charges $144.70 payment each period, you will pay more in interest and it will take + FEES CHARGED $0.00 you fonger to pay off your balance. For example: + INTEREST CHARGED $19.64 Ifyou make no You will pay off the And you will end up = New Balance $712.10 additional charges balance shown on this paying an estimated using this card and QUESTIONS? Call 1-800-305-0330 each month you pay... statement in about... total of... Please mail billing inquiries to: ‘Only the minimum 2years Genesis FS Card Services ment $1,000.00 P.O, Box 4499 if you would like information about credit counseling services, cali Beaverton, OR 97076-4499 1-800-305-0330. www.milestonecard.com Notice: SEE REVERSE SIDE FOR MORE IMPORTANT INFORMATION [TRANSACTIONS Tran Post Date Date Reference Number Transaction Description Amount 03/14 03/16, 8230509ETOQQ0QAGA KLARNA INC COLUMBUS OH 20.14 03/24 03/24 7522939F 300QNWDAS XSCLLA *MSF H.XSOLLA.COM CA 10.63 03/24 03/24 7541823F345J070K1 XSOLLA *MSF H.XSOLLA.COM CA 5.34 03/25, 03/25 7841823F445LBD1DH XSOLLA *MSF H.XSOLLA.COM CA 5.31 03/25 03/25 8230509F40000TMPZ KLARNA INC COLUMBUS. OH 18.75 03/27 03/27 5543286F65SD25785 XSOLLA *MSF XSOLLA.COM CA 2.42 03/28 03/28 8230509F B0003HESY KLARNA INC COLUMBUS. OH 20.14 03/29 03/29 5543286FB5SZQ7H67 XSOLLA *MSF XSOLLA.COM CA 5.31 03/29 03/29 0543684F900A00J2H WALGREENS #7522 BRIDGEPORT CT 4.29 03/29 03/29 7541823FB45VWWOGR XSOLLA *MSF H.XSOLLA.COM CA 318 04/06 04/06 8549806FGOOXVHORDS PAYMENT RECEIVED - THANK YOU. 56.00- Transactions continued on next page Piease detach bottom portion and submit with payment using enclosed envelope PAYMENT INFORMATION Genesis FS Card Services Account number ending in 8928 PO BOX 4477 MILESTONE” Beaverton OR 97076-4477 Payment Due Date May 13, 2022 New Balance $712.10 Minimurn Payment Due